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Abraham Michelson
About | Practice Areas
The Michelson Law Office
203 North Lasalle Street Suite 2100 Chicago, IL 60601Â» view map
Bankruptcy, Chapter 7, Chapter 13
Chicago Bankruptcy Lawyer

When your finances are at stake, choose the best. Don't sink deeper in debt. Contact The Michelson Law Office

800-824-6431
1. Abraham Michelson Chicago, IL
  Attorney at Law - Illinois, 2013
  Thomas Cooley, JD, 2004
2. AboutAbraham Michelson
  Our legal team can advise you on your options for negotiating a solution.
3. Practice AreasServices
  Find out how an experienced attorney can help end calls and prevent lawsuits.
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Kenneth Gallant

Bankruptcy & Debt, Bankruptcy, Credit & Debt

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1425 Jefferson Road, Rochester, NY 14623

Todd Alan Morth

Consumer Bankruptcy, Credit & Debt, Bankruptcy Litigation

Status: Licensed: 26 Years

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336 Harris Hill Rd, Buffalo, NY 14221

Peter David Grubea

Bankruptcy & Debt, Consumer Bankruptcy, Credit & Debt

Status: Licensed: 31 Years

FREE CONSULTATION

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336 Harris Hill Rd, Buffalo, NY 14221

Brian R. Goodwin

Commercial Banks, Commercial Real Estate, Credit & Debt, Motor Vehicle, Collection

Status: Licensed: 21 Years

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97 Virginia Road, Buffalo, NY 14225

Bruce Devoin Mcallister

Workers' Compensation, Corporate, Credit & Debt, Personal Injury

Status: Licensed: 45 Years

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30 Eagle St, Buffalo, NY 14221

John Peter Amershadian

Real Estate, Banking & Finance, Business, Credit & Debt

Status: Licensed: 48 Years

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140 Pearl St, Buffalo, NY 14202

Maximillian G. Tresmond

General Practice

Status: Licensed: 9 Years

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424 Main St, Buffalo, NY 14202

Thomas E. Hare

Credit & Debt, Family Law, Criminal, Bankruptcy

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418 Obrian Hall, Buffalo, NY 14260

Barry Christopher Balonek

Family Law, Constitutional Law, Corporate, Credit & Debt

Status: Licensed: 49 Years

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38 Wilelen Rd, Rochester, NY 14624

Craig David Chartier

Wills & Probate, Family Law, Credit & Debt, Personal Injury, International Tax

Status: Licensed: 25 Years

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180 Canal View Blvd, Rochester, NY 14623

800-923-0641

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LEGAL TERMS

CURRENT MONTHLY INCOME

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding... (more...)

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding the bankruptcy filing. The debtor's current monthly income is used to determine whether the debtor can file for Chapter 7 bankruptcy, among other things.

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working fo... (more...)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working for collection agencies. The law does not apply to creditors collecting their own debts. This law has greatly improved conditions for debtors, although more than a few debt collectors ignore the law. If a collection agency violates the law, debtors can contact the Federal Trade Commission for help.

FRATERNAL BENEFIT SOCIETY BENEFITS

These are benefits, often group life insurance, paid for by fraternal societies to their members. Elks, Masons or Knights of Columbus are common fraternal socie... (more...)

These are benefits, often group life insurance, paid for by fraternal societies to their members. Elks, Masons or Knights of Columbus are common fraternal societies that provide benefits. Also called benefit society, benevolent society or mutual aid association benefits. Under bankruptcy laws, these benefits are virtually always considered exempt property.

COSIGNER

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for t... (more...)

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for the loan or debt. Many people use cosigners to qualify for a loan or credit card. Landlords may require a cosigner when renting to a student or someone with a poor credit history.

DISCHARGE (OF DEBTS)

A bankruptcy court's erasure of the debts of a person or business that has filed for bankruptcy.

HOUSEHOLDER

A person who supports and maintains a household, with or without other people. In bankruptcy law, a householder, housekeeper or head of household can claim a ho... (more...)

A person who supports and maintains a household, with or without other people. In bankruptcy law, a householder, housekeeper or head of household can claim a homestead exemption and possibly other exemptions relating to the maintenance of the household.

TRUTH IN LENDING ACT (TILA)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disc... (more...)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disclose the terms of a loan, including the total amount of the loan, the annual interest rate and the number, amount and due dates of all payments necessary to repay the loan. The TILA requires additional disclosures and places many restrictions on mortgages.

LIQUIDATING PARTNER

The member of an insolvent or dissolving partnership responsible for paying the debts and settling the accounts of the partnership.

PRESUMED ABUSE

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means te... (more...)

In a Chapter 7 bankruptcy, when the debtor's current monthly income exceeds the family median income for his or her state and he or she cannot pass the means test, the court will presume that the debtor has sufficient income to fund a Chapter 13 plan. In this situation, the debtor will not be allowed to proceed with a Chapter 7 bankruptcy unless the debtor can prove that he or she is not abusing the Chapter 7 bankruptcy remedy.

SAMPLE LEGAL CASES

COLLINS FIN. v. Vigilante

... Such a system is not tolerable in regard to credit card and other consumer credit debt cases where items such as the interest rate, late payment charge, and over-the-limit fees may change several times over the course of the consumer credit agreement. ...

Grasso v. Grasso

... 765 The husband also correctly contends that the Supreme Court improvidently exercised its discretion by, in effect, holding him responsible for 100% of the credit card obligations that constitute the parties' marital debt as well as all the marital debt that was solely in the wife's ...

PRA III LLC v. Gonzalez

... agreement to extend credit to the defendant, the issuance of credit cards at the defendant's address, his use of credit cards, his ... Moreover, the plaintiff submitted no evidence demonstrating the defendant's intention to pay the alleged debt (see General Obligations Law Â§ 17-101 ...

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Gainesville Credit & Debt Lawyer, New York

Sponsored Law Firm

The Michelson Law Office

SPONSORED LAWYERS

Kenneth Gallant

Todd Alan Morth

Peter David Grubea

Brian R. Goodwin

Bruce Devoin Mcallister

John Peter Amershadian

Maximillian G. Tresmond

Thomas E. Hare

Barry Christopher Balonek

Craig David Chartier

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LEGAL TERMS

CURRENT MONTHLY INCOME

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

FRATERNAL BENEFIT SOCIETY BENEFITS

COSIGNER

DISCHARGE (OF DEBTS)

HOUSEHOLDER

TRUTH IN LENDING ACT (TILA)

LIQUIDATING PARTNER

PRESUMED ABUSE

SAMPLE LEGAL CASES

COLLINS FIN. v. Vigilante

Grasso v. Grasso

PRA III LLC v. Gonzalez

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